How Medshield structures its hospital cover
Medshield is a medical scheme registered under the Medical Schemes Act 131 of 1998, so every option here funds authorised in-hospital treatment and the Prescribed Minimum Benefits, including the Chronic Disease List conditions. What separates the options is price, which hospitals you may use, and what you pay out of pocket when you are admitted.
Of the 5 Medshield hospital options in our 2026 data set, 1 let you use any private hospital and 4 are restricted to a hospital network. Network options are cheaper for that reason; use a hospital off the list and you can carry a large share of the account yourself. No fixed per-admission co-payment is published on these options.
Contributions are billed per beneficiary. A main member pays the main rate, each adult dependant the adult rate, and each child the child rate — so your monthly cost depends on who you cover, not on a single family price.
Medshield hospital plan prices, cheapest first
Published 2026 contributions and in-hospital terms. “Not stated” means the brochure does not publish that figure — we do not estimate it.
| Plan | Main / month | Adult | Child | Hospitals | Co-pay / admission | In-hospital limit | Source |
|---|---|---|---|---|---|---|---|
| Medshield: MediCurve | R1 821 | R1 821 | R483 | Medshield Hospital Network | None stated | Unlimited | Brochure |
| Medshield: MediPhila | R2 145 | R2 145 | R558 | Medshield Hospital Network | None stated | Unlimited | Brochure |
| Medshield: MediValue Compact | R2 907 | R2 541 | R816 | Medshield Hospital Network | None stated | Unlimited | Brochure |
| Medshield: MediCore | R4 278 | R3 618 | R987 | Any private hospital | None stated | Unlimited | Brochure |
| Medshield: MediPlus Compact | R4 938 | R3 522 | R1 113 | Medshield Hospital Network | None stated | Unlimited | Brochure |
Medshield figures last verified against the source document on 2026-04-28. Medshield MediCurve 2026 Benefit Guide
Before you choose a Medshield hospital plan
Check the hospital list first
On a network option, the hospital nearest you matters more than the monthly price. Look your hospital up before you commit.
Medshield hospital network checkerCompare against other schemes
Medshield is one of six schemes whose 2026 hospital options we hold. See how the prices line up across all of them.
All hospital plans in South AfricaMedshield hospital plans: common questions
How much is a Medshield hospital plan per month in 2026?
On the published 2026 contributions, Medshield hospital options start at R1 821 a month for a main member and run up to R4 938. Each adult and child dependant adds its own rate on top, because schemes bill per beneficiary rather than per household.
Which hospitals can I use on a Medshield hospital plan?
1 of the 5 Medshield hospital options in our 2026 data set allow any private hospital, and 4 restrict you to a defined hospital network. The network name for each option is listed in the table on this page, and you can look up individual hospitals in our network checker.
Does a Medshield hospital plan cover chronic medicine?
Yes, at least to the extent the law requires: every registered option must fund the conditions on the Chronic Disease List as part of the Prescribed Minimum Benefits. The most chronic conditions published on a Medshield hospital option for 2026 in our data set is 28. Chronic cover is usually subject to a formulary and a designated pharmacy.
Are there co-payments on Medshield hospital plans?
No fixed per-admission co-payment is published on the Medshield hospital options in our 2026 data set. Separate co-payments can apply to MRI and CT scans and to specific procedures — check the option's benefit schedule.
Is this page advice?
No. It is a factual comparison of published 2026 figures, not financial advice and not a recommendation. Confirm current contributions and rules with the scheme, or speak to an accredited adviser, before joining or switching.
All contributions, networks and co-payments on this page are taken from the official Medshield 2026 documentation and linked to their source. This is general information, not financial advice, and not a recommendation of any scheme or option. Always confirm current figures directly with Medshield before joining or switching.